Does Pentagon Federal Credit Union charge junk fees?

6% of Closing Disclosures we've analyzed for Pentagon Federal Credit Union included at least one fee flagged as potentially excessive. "Junk fees" are charges that are inflated beyond what comparable lenders charge or that provide little discernible value to the borrower. Upload your Closing Disclosure for a line-by-line analysis of your specific loan. This is informational only and not financial or legal advice.

How do Pentagon Federal Credit Union's fees compare to other lenders?

Pentagon Federal Credit Union currently holds a grade of B on Fair Closing Check, placing them below the national average, which is a good sign for borrowers. Their median closing costs of $14,438 are about 12% below the $16,418 national peer median. Grades are based on real homebuyer-submitted Closing Disclosures and scale from A (well below average) to F (significantly above average). This is informational only; individual loans vary by state, loan type, and borrower circumstances.

Can I negotiate closing costs with Pentagon Federal Credit Union?

Yes — closing costs are almost always negotiable to some degree. Lender-controlled fees like origination, processing, and underwriting charges can often be reduced or waived, especially if you have a strong credit profile or are comparing offers from multiple lenders. Third-party fees such as title insurance and settlement services can sometimes be shopped around for better rates — you are generally entitled to choose your own providers. Fair Closing Check analyzes your specific Closing Disclosure and identifies which fees to challenge and how much room there is to negotiate. This is informational only and not legal or financial advice.

Fair Closing Check

Pentagon Federal Credit Union

Name: Fair Closing Check — Closing Disclosure Audit
Brand: Fair Closing Check
Price: 29.00 USD
Availability: InStock

Credit Union · Virginia · NMLS #312613

51 verified reports

Avg Closing Costs

$14,438

median across reports

vs. National Average

12%

below national avg

Avg Origination Charge

$6,701

Section A lender fee

Reports with Junk Fees

of submitted reports

Fee Breakdown

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Fee Category	This Lender (avg)	National Avg	Verdict
Origination Fee	$6,701	$7,829	🟢 Below Avg
Title Insurance	$2,685	$3,110	🟢 Below Avg
Underwriting Fee	$1,286	$1,459	🟢 Below Avg
Appraisal	$965	$1,065	🟡 Average
Settlement/Closing Fee	$852	$973	🟢 Below Avg
Processing Fee	$680	$777	🟢 Below Avg
Title Search	$340	$388	🟢 Below Avg
Rate Lock Fee	$339	$347	🟡 Average
Recording Fee	$294	$340	🟢 Below Avg
Document Preparation	$126	$164	🟢 Below Avg
Tax Service Fee	$110	$126	🟢 Below Avg
Credit Report	$60	$68	🟢 Below Avg
Wire Transfer Fee	$60	$68	🟢 Below Avg
Courier/Delivery	$52	$58	🟢 Below Avg
Flood Certification	$20	$23	🟢 Below Avg

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Frequently Asked Questions

Based on 51 closing cost reports

Based on 51 homebuyer-submitted Closing Disclosures, Pentagon Federal Credit Union's median total closing costs are $14,438. This is about 12% below the $16,418 national peer median for comparable lenders. Actual costs vary by loan type, loan amount, property state, and individual borrower profile. This data is informational only and not financial advice.

Related Guides

Are Closing Costs Negotiable?

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What Are Junk Fees on a Mortgage?

Spot the charges that pad lender profits.

How to Read Your Closing Disclosure

Page-by-page walkthrough of the 5-page form.

Average Closing Costs by State

Benchmark your costs against the state average.

Closing Costs in Virginia

State-specific benchmarks for Virginia.

Compare Pentagon Federal Credit Union with another lender

See how closing costs compare side-by-side